Improve Your Credit Scores

Clean up your credit and improve your credit scores.

"i appreciate so much the help I got from your credit eBook...I didn't realize how easy it is to do it myself. My scores went up 40 points! Just what we needed to get our mortgage loan."

Thank you,

Jim

 

Did you know? what are the percentages?

35% of scores is Payment History:

Key items include frequency, severity and most recent occurrences such as; late payments on bills like mortgage, credit cards or auto loans.

30% of scores is Credit Utilization:

Key items include balance of credit accounts in relation to maximum credit available with revolving being the most significant.

15% of scores is Credit History:

Key items include number of years for established credit, the longer the better; one tradeline for 5 years will score better than 2 trades for 6 months.

10% of scores is Type of Credit:

Key items include mix of revolving credit inquiries, not credit with any finance rating; zero balance for 6 months.

10% of scores is Inquiries:

Key items include frequency of credit inquiries, not including mortgage inquiries within a 30 day period, and mortgage inquiries after a 30 day period which can affect the score adversely.

 

 

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The Purpose

 

The purpose of this credit eBook guide is to inform and help consumers with credit management, avoiding credit blunders, re-establishing credit, avoiding identity theft scams, giving you an overall credit education, how to avoid the countless credit scams out there and what to look for in order to protect yourself and your family. In today’s world that’s consumed by credit debt, credit and or the lack of it, credit knowledge is a must have. It is absolutely essential to have a good credit rating. No matter what happens in the credit industry, your GOOD credit will always be a plus for you.

Credit allows you to purchase items that you normally could not afford. Most people just don’t have the cash up front to pay for these items, so that’s where credit comes in. If you ever tried to buy a home, rent a car, book a hotel room or anything else that requires you to use credit, you have probably noticed how important it is. Your credit rating will have a direct effect on your ability to purchase the things you desire. If your purpose is to buy your dream home, invest in real estate or refinance your current home, good credit plays a huge role.



Our Values

Our goal is to help consumers reach the creditworthiness they deserve and all it takes is just a little time and effort.

Ultimate Goal

FICO score range is from about 300-990 (Vantagescore)

720 Score and above (Excellent Credit)

  • The risk of default is very, very low
  • More exceptions approved if needed to get the loan
  • The debt ratio can be exceed to higher limit
  • The high score can favorably compensate for underwriting weaknesses
  • No need to explain derogatory credit
  • Can qualify for basically any program credit wise

 

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Our Commitment

Is to help as many consumers as possible with their credit issues and with their credit management so that they can enjoy the many benefits that come with Great Credit. this eBook, as inexpensive as it is, will help with just that.